Newcastle, TX · Cert 14404
FDIC · 1 branch
Q1 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.34% | 0.73% | 0.65% | 0.94% | 0.81% | 0.40% | 0.77% | +12 bps | |
| Return on Equity | 25.97% | 15.32% | 29.69% | 18.13% | 26.26% | 17.85% | 8.86% | 24.49% | +636 bps | |
| Net Interest Margin | 2.88% | 2.95% | 2.98% | 2.85% | 2.89% | 2.90% | 3.15% | 3.38% | +53 bps | |
| Efficiency Ratio | 67.61% | 67.83% | 68.81% | 76.48% | 72.40% | 74.15% | 87.31% | 74.84% | -164 bps | |
| Non-Interest Burden | 1.85% | 1.88% | 1.96% | 2.12% | 2.01% | 2.08% | 2.71% | 2.47% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.17% | 1.15% | -1.52% | -2.15% | -7.65% | -10.78% | -6.67% | -4.41% | -225 bps | |
| Loan Growth (YoY) | 0.65% | -3.35% | -1.92% | -13.82% | -10.58% | 0.86% | 7.41% | 10.40% | +2,421 bps | |
| Deposit Growth (YoY) | -1.43% | 2.11% | -2.47% | -0.87% | -7.94% | -14.92% | -5.98% | -5.04% | -416 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.80% | 0.82% | 0.54% | 0.41% | 0.32% | 0.00% | 0.00% | 0.07% | -34 bps | |
| Net Charge-Offs / Loans | 0.00% | 4.26% | -0.02% | 0.00% | 1.55% | 0.07% | -1.45% | -0.06% | -6 bps | |
| Allowance / Loans | 1.71% | 1.25% | 0.85% | 1.21% | 0.95% | 0.87% | 1.06% | 1.13% | -8 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.5x | 1.6x | 2.9x | 3.0x | n/a | n/a | 15.6x | +12.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.01% | 10.79% | 10.88% | 11.02% | 11.62% | 11.86% | 12.01% | 11.46% | +44 bps | |
| Total Risk-Based Capital | 11.01% | 10.79% | 10.88% | 11.02% | 11.62% | 11.86% | 12.01% | 11.46% | +44 bps | |
| Equity / Assets | 3.22% | 1.24% | 3.70% | 3.48% | 3.68% | 5.38% | 3.62% | 2.65% | -83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.45% | 39.37% | 42.68% | 43.90% | 42.20% | 46.67% | 48.76% | 51.04% | +714 bps | |
| Liquid Assets / Assets | 1.36% | 0.90% | 1.81% | 1.88% | 1.96% | 1.01% | 0.00% | 0.00% | -188 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |